One - you assume all cards that are stolen are instantly reported. Some take weeks, months, even years to be discovered.

Two - You also assume the charge-back notification and and return process is the same as a refund - it's not. There's a mountain of legal red tape to go through, especially across national lines. It's made even more difficult considering China has terrible policies regarding credit card fraud. Guess where the majority of RMT comes from?

Three - You're making massive assumptions of Square Enix when they have already explained to us in no uncertain terms the policy regarding RMT and how they counter it. This was detailed, at length when Square Enix's FFXI team introduced the "Special Task Force" (Originally called the Special Task Force Unit before the acronym was discovered.) Square Enix, in fact, has been one of the frontrunners in trying to fight RMT, so claiming they're money grubbing capitalists who simply wait and profit off of RMT subscriptions is quite far from the truth.

You're welcome to your own beliefs, however. Just realize that both facts and history disagree with you.